SCSS Calculator

Project periodic interest income for Senior Citizens.

Monthly Investment

₹

Expected Return (p.a.)

Time Period (Years)

Yrs

Scenario Analysis (Assumed Returns)

Conservative

6.199999999999999%

13,50,898

Base

8.2%

14,82,983

Higher

10.2%

16,25,204

Labels are estimates based on your base rate (8.2%).

Estimated Maturity Value

₹10,00,000

Total Principal

₹10,00,000

Estimated Returns

₹4,10,000

Portfolio Mix

Invested

Returns

Growth Curve

You invest ₹10,00,000 every month for 5 years. At an estimated 8.2% annual return, your total investment is ₹10,00,000 and the estimated total value is approximately ₹10,00,000. Around ₹4,10,000 represents estimated growth.

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How it works

Post office scheme for retirees providing regular quarterly interest income.

The formula

Interest = (P × r) / 4

P: Principal Amount
r: Annual Rate

Worked example

₹15 Lakh deposit yielding quarterly interest for 5 years.

Pro tips

Interest is paid out on the first day of every quarter.
Max limit is ₹30 Lakh per individual.

Common mistakes

Not considering the taxability of interest income.

Go deeper

Related lessons

Retirement Planning

Concepts to explore

Senior Citizen Savings Scheme details

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.